Seek Returns

V vs. XYZ: Visa vs. Block Stock Comparison

How do Visa (V) and Block (XYZ) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Visa (V) and Block (XYZ) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Company profile comparison for Visa (V) and Block (XYZ)
Profile ItemVXYZ
NameVisa Inc. Class ABlock Inc. Class A Common Stock
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryTransaction & Payment Processing ServicesTransaction & Payment Processing Services
Market Capitalization788.58 billion USD51.67 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 19, 2008November 19, 2015
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

V
XYZ
GSPC
Loading price history…
Visa (V) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…
Trailing total returns for Visa (V) and Block (XYZ). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Visa (V) and Block (XYZ). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Visa (V) and Block (XYZ)
MetricVXYZ
Total Return (1Y)27.50%35.34%
Total Return (3Y, Annualized)21.55%20.17%
Total Return (5Y, Annualized)15.65%-17.43%

Risk Profile

Drawdown History

V
XYZ
GSPC
Loading price history…
Visa (V) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…
Distribution of monthly total returns for Visa (V) and Block (XYZ). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Block (XYZ) carries a highly aggressive beta of 2.48, indicating much higher sensitivity to broad-market moves, whereas Visa (V) is closer to market-like at 0.78 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for Visa (V) and Block (XYZ)
MetricVXYZ
Volatility (1Y, Annualized)22.99%48.01%
Beta (5Y)0.782.48
Max Drawdown (5Y)-24.14%-83.55%
Avg. Volume (3M)6.56M4.73M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
V and XYZ are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Visa (V) and Block (XYZ)
MetricVXYZ
Sharpe Ratio (1Y)1.010.65
Sortino Ratio (1Y)1.641.03

Profitability

ROE (TTM)

Visa (V) at 63.51% delivers above-range ROE, while Block (XYZ) at 2.02% falls into the bottom quartile — a wide split in profit generated from equity.

V

Financial Services industry group

63.51%

V
63.51%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%

XYZ

Financial Services industry group

2.02%

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
XYZ
2.02%
Min
-18.71%
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% keeps a top-quartile share of each sales dollar as profit, while Block (XYZ) at 1.80% keeps a bottom-quartile share.

V

Financial Services industry group

51.20%

Max
62.84%
V
51.20%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%

XYZ

Financial Services industry group

1.80%

Max
62.84%
Q3
28.05%
Median
15.36%
Q1
4.82%
XYZ
1.80%
Min
-28.52%
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Visa (V) at 63.73% carries a top-quartile operating margin, while Block (XYZ) at 6.65% operates in the bottom quartile.

V

Financial Services industry group

63.73%

Max
107.33%
V
63.73%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%

XYZ

Financial Services industry group

6.65%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
XYZ
6.65%
Min
-44.34%
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Visa (V) and Block (XYZ)
MetricVXYZ
ROE (TTM)63.51%2.02%
ROA (TTM)19.61%1.94%
Net Margin (TTM)51.20%1.80%
Operating Margin (TTM)63.73%6.65%
Gross Margin (TTM)----

Growth

Revenue Growth

Visa (V) at 14.76% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their Revenue Growth across different time periods.

EPS Growth

Visa (V) at 20.78% is around its peer norm for EPS growth, while Block (XYZ) at -53.95% drops into the bottom quartile, signaling weaker earnings momentum.

Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Visa (V) and Block (XYZ)
MetricVXYZ
Revenue Growth (YoY)14.76%0.30%
Revenue Growth (3Y CAGR)12.02%11.33%
EPS Growth (YoY)20.78%-53.95%
EPS Growth (3Y CAGR)14.16%--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Visa (V) in Financial Services and Block (XYZ) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Visa (V) in Financial Services and Block (XYZ) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Visa (V) and Block (XYZ)
MetricVXYZ
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Block (XYZ) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Visa (V) reports a yield of 0.66%, ranking against industry peers normally.

V

Financial Services industry group

0.66%

Max
9.77%
Q3
3.92%
Median
1.09%
V
0.66%
Q1
0.00%
Min
0.00%

XYZ

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
XYZ
0.00%
Q1
0.00%
Min
0.00%
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Block (XYZ) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Visa (V) reports a payout of 21.75%, ranking against industry peers normally.

V

Financial Services industry group

21.75%

Max
241.07%
Q3
97.36%
Median
25.77%
V
21.75%
Q1
0.00%
Min
0.00%

XYZ

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
XYZ
0.00%
Q1
0.00%
Min
0.00%
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Visa (V) and Block (XYZ)
MetricVXYZ
Dividend Yield (TTM)0.66%0.00%
Dividend Payout Ratio (TTM)21.75%0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: Visa (V) at 34.31 sits in the richer P/E ratio quartile, and Block (XYZ) at 112.47 is richer still, above its industry range.

V

Financial Services industry group

34.31

Max
45.85
V
34.31
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16

XYZ

Financial Services industry group

112.47

XYZ
112.47
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Block (XYZ) at 2.01 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.

V

Financial Services industry group

17.18

V
17.18
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55

XYZ

Financial Services industry group

2.01

Max
9.23
Q3
4.57
Median
2.72
XYZ
2.01
Q1
1.28
Min
-0.55
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Block (XYZ) at 2.26 sits near its industry’s typical P/B ratio, while Visa (V) at 22.05 prices above its benchmark range — V looks rich relative to book.

V

Financial Services industry group

22.05

V
22.05
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39

XYZ

Financial Services industry group

2.26

Max
7.79
Q3
3.63
XYZ
2.26
Median
1.57
Q1
0.81
Min
-0.39
Loading chart…
Visa (V) vs. Block (XYZ): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Visa (V) and Block (XYZ)
MetricVXYZ
P/E Ratio (TTM)34.31112.47
P/S Ratio (TTM)17.182.01
P/B Ratio (MRQ)22.052.26
Free Cash Flow Yield (TTM)----